Machine presented targeted odd denominational resource distributor system

ABSTRACT

Embodiments of the invention are directed to systems, methods, and computer program products for integration into a user activity terminal and configure the terminal for facilitating odd denominational resource distribution parameters. The user activity terminal may be associated resource distribution from a resource distribution service provider. The invention may integrate into a user activity terminal and provide direct channel deposits of odd denominational resource distribution documents. As such the invention integrates into a user activity terminal and links into third party systems for odd denominational resource distribution not capable of being performed by the user activity terminal.

RELATED APPLICATIONS AND PRIORITY CLAIM 35 U.S.C. § 119

This application is a non-provisional filing of U.S. ProvisionalApplication No. 62/466,914, filed Mar. 3, 2017, the contents of whichare hereby incorporated by reference herein.

BACKGROUND

Computer terminals are commonly used by individuals to perform a varietyof activities. A needs exists for improved computer terminals withenhanced communication and interaction capabilities.

BRIEF SUMMARY

The following presents a simplified summary of one or more embodimentsof the invention in order to provide a basic understanding of suchembodiments. This summary is not an extensive overview of allcontemplated embodiments, and is intended to neither identify key orcritical elements of all embodiments, nor delineate the scope of any orall embodiments. Its sole purpose is to present some concepts of one ormore embodiments in a simplified form as a prelude to the more detaileddescription that is presented later.

Embodiments of the invention relate to systems, methods, and computerprogram products for odd denominational resource distribution, theinvention comprising: integrating within a computer terminal, whereinthe computer terminal is a public user activity terminal for managementand distribution of resource documents by a user; authorizing the useraccess to resource distribution management applications within thecomputer terminal based on authentication requirement satisfaction bythe user; receiving resource distribution document at the computerterminal for resource retrieval from the computer terminal; identifyingthe resource distribution document as being for an odd denominationalresource distribution, wherein the odd denominational resourcedistribution is a resource value or resource value remainder that thecomputer terminal is unable to present to the user for the resourceretrieval; identifying third party resource distribution applicationsassociated with the user; triggering presentation, via display on thecomputer terminal, of the third party resource distribution applicationsassociated with the user; and applying the odd denominational resourcedistribution to a selected third party resource distributionapplication.

In some embodiments, the odd denominational resource distributionapplied to the selected third party resource is only the resource valueremainder that the computer terminal is unable to present to the user.In some embodiments, a standard user activity terminal is required todeny an odd denominational distribution request without integration withthe computer terminal.

In some embodiments, identifying the resource distribution document asbeing for an odd denominational resource distribution further comprisesidentifying a check drafted to the user with a distribution amount thatis not a distribution amount domination available from the computerterminal for presentation of the distribution amount to the user.

In some embodiments, identifying third party resource distributionapplications associated with the user further comprises receiving inputfrom the user including third party resource distribution applicationsassociated with the user, wherein the resource distribution applicationsassociated with the user comprise user accounts for third party vendorsor user accounts at financial institutions. In some embodiments, thirdparty resource distribution applications further compriseperson-to-person resource distribution.

In some embodiments, authorizing the user access to resourcedistribution management applications within the computer terminal basedon authentication requirement satisfaction by the user further comprisesauthorizing a user not affiliated with the resource distributionmanagement applications for the computer terminal by allowing the useraccess to the presentation of the third party resource distributionapplications associated with the user based on user input of the odddenominational resource distribution document. In some embodiments, thecomputer terminal is an ATM. In some embodiments, the computer terminalis a financial institution center terminal at a financial institutionlocation.

Current automated teller machines (ATM) are not capable of withdrawingodd denomination from users. This invention allows for users to be ableto cash odd denominational resource distribution documents bytransferring the remaining odd denominations to a third party. Forexample, if the user wished to cash a resource distribution document of28.00 dollars at an ATM machine, the ATM can provide the user with 20.00dollars, but current ATM systems are not capable of providing the userwith the remaining 8.00 dollars. As such, the invention integrates theATM system with third party systems allowing the user to retransfer theremaining odd denomination to a charity, user third party account,credit card, debit card, or the like. Furthermore the system willintegrate into the ATM and will allow the user to transfer the odddenomination via person-to-person transfer to third party applicationsassociated with the user or to other individuals. Finally, the systemallows a user to swipe his/her credit or debit card from any source toaccept the odd denomination. The system may read the credit or debitcard and apply the remaining odd denomination to a balance associatedwith the credit or debit card.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made to the accompanying drawings, where:

FIG. 1 illustrates a machine presented target distributor systemenvironment, in accordance with embodiments of the present invention;

FIG. 2 illustrates a block diagram of an ATM computer terminal, inaccordance with embodiments of the present invention;

FIG. 3 illustrates a representative illustration of a computer terminal,in accordance with embodiments of the present invention;

FIG. 4 illustrates a block diagram of the processing system associatedwith the target distributor system environment, in accordance withembodiments of the present invention;

FIG. 5 illustrates a block diagram of the user device associated withthe target distributor system environment, in accordance withembodiments of the present invention;

FIG. 6 illustrates a process flow for setting up the odd denominationalresource distributor system on a computer terminal, in accordance withembodiments of the present invention;

FIG. 7 illustrates a process of odd denominational resourcedistribution, in accordance with embodiments of the present invention;and

FIG. 8 illustrates a process of selection of third party resourcedistribution applications for odd denomination deployment, in accordancewith embodiments of the present invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Like numbers refer to elements throughout. Wherepossible, any terms expressed in the singular form herein are meant toalso include the plural form and vice versa, unless explicitly statedotherwise. Also, as used herein, the term “a” and/or “an” shall mean“one or more,” even though the phrase “one or more” is also used herein.

A “transaction” or “resource distribution” refers to any communicationbetween a user and the financial institution or other entity monitoringthe user's activities to transfer funds for the purchasing or selling ofa product. A transaction may refer to a purchase of goods or services, areturn of goods or services, a payment transaction, a credittransaction, or other interaction involving a user's account. In thecontext of a financial institution, a transaction may refer to one ormore of: a sale of goods and/or services, initiating an automated tellermachine (ATM) or online banking session, an account balance inquiry, arewards transfer, an account money transfer or withdrawal, opening abank application on a user's computer or mobile device, a user accessingtheir e-wallet, or any other interaction involving the user and/or theuser's device that is detectable by the financial institution. Atransaction may include one or more of the following: renting, selling,and/or leasing goods and/or services (e.g., groceries, stamps, tickets,DVDs, vending machine items, and the like); making payments to creditors(e.g., paying monthly bills; paying federal, state, and/or local taxes;and the like); sending remittances; loading money onto stored valuecards (SVCs) and/or prepaid cards; donating to charities; and/or thelike.

In some embodiments, an “entity” may be a financial institution or thirdparty merchant. For the purposes of this invention, a “financialinstitution” may be defined as any organization, entity, or the like inthe business of moving, investing, or lending money, dealing infinancial instruments, or providing financial services. This may includecommercial banks, thrifts, federal and state savings banks, savings andloan associations, credit unions, investment companies, insurancecompanies and the like. In some embodiments, the entity may allow a userto establish an account with the entity. An “account” may be therelationship that the user has with the entity. Examples of accountsinclude a deposit account, such as a transactional account (e.g., abanking account), a savings account, an investment account, a moneymarket account, a time deposit, a demand deposit, a pre-paid account, acredit account, a non-monetary user profile that includes only personalinformation associated with the user, or the like. The account isassociated with and/or maintained by the entity. In other embodiments,an entity may not be a financial institution. In still otherembodiments, the entity may be the merchant itself.

In some embodiments, an ATM is operated in a public place (e.g., on astreet corner, at the doorstep of a private residence, in an openmarket, at a public rest stop, or the like). In other embodiments, theATM is additionally or alternatively operated in a place of business(e.g., in a retail store, post office, banking center, grocery store,factory floor, or the like). In accordance with some embodiments, theATM is owned by the financial institution providing the ATM. In otherembodiments, the ATM is owned by one or more third party merchants. Inyet other embodiments, the ATM is owned by other financial institutions.While multiple ATM machines are mentioned throughout this discloser, oneof ordinary skill in the art will appreciate that one ATM may includeall of the features disclosed herein.

As described herein, a “user” is an individual associated with anentity. As such, in some embodiments, the user may be an individualhaving past relationships, current relationships or potential futurerelationships with an entity. In some instances, a “user” is anindividual who has a relationship with the entity, such as a customer ora prospective customer. In some instances described herein, the user isan individual who seeks to utilize, operate, or perform one or moreactivities associated with a computer terminal, typically based onsuccessful validation of the user's authentication credentials. In someembodiments, a “user” may be an employee (e.g., a technologyoperator/technician, an associate, a project manager, an IT specialist,a manager, an administrator, an internal operations analyst, or thelike) of the entity or enterprises affiliated with the entity, capableof operating the systems and computer terminals described herein. Inother embodiments, a user may be a system or an entity performing one ormore tasks described herein.

The term “computer terminal” or “user activity terminal” as used hereinmay refer to one or more electronic devices that facilitate one or moreuser activities or transactions. Typically, a computer terminal isconfigured to facilitate performance of one or more user activities byestablishing an “interactive session” between a user and the computerterminal. As such, the terms “user activity” or “user transaction” orsimply “activity” may refer to financial or non-financial activities,tasks, events or actions. In some embodiments a computer terminal refersto one or more devices that facilitate execution of financialtransactions or activities. In this regard, the computer terminals maybe Automated Teller Machines (ATMs), Point of sale (POS) devices,vending machines, checkout registers, ticket vending machines, automatedretail transaction devices, banking terminals in a financialinstitution, other computing devices that involve financial useractivities or transactions in one form or another, or may comprisetechnology elements and/or functionality of one or more aforementioneddevices, or a suitable combination of the aforementioneddevices/apparatuses. In some embodiments the computer terminal refers todevices that facilitate execution of non-financial user activities ortransactions, for example, check-in terminals for various industries,for example: hospitality, travel, healthcare and the like, informationkiosks and other computer terminals that do not involve a userperforming a financial transaction via the computer terminal. In someembodiments the computer terminals enable execution of both financialand non-financial transactions/activities (e.g., a computer terminal maybe a suitable combination of any of the aforementioned terminal deviceswith respect to their features, design and/or function). That said,computer terminals may also refer to portable devices that facilitatefinancial and/or non-financial transactions, such as personal computers,laptop computers, tablet computers, smartphones, wearable devices,personal digital assistants (PDAs), and other computing devices. In someembodiments, the computer terminals may be owned, operated and/orotherwise associated entities and are installed at suitable locations,such that the user can travel to the location of the computer terminalto perform user activities or execute transactions. In some embodiments,the computer terminals may be owned, operated and/or otherwiseassociated with the user. In embodiments described herein, performing auser activity or transaction may refer to the initiation, stages duringthe processing, or completion of a transaction. The computer terminal ofthe present invention is interactive and is configured to communicatewith a user using visual, audio or other means, either directly (e.g.,using display devices of the computer terminal) or via suitable devices(e.g., via a user mobile device).

Current automated teller machines (ATM) are not capable of withdrawingodd denomination from users. This invention allows for users to be ableto cash odd denominational resource distribution documents bytransferring the remaining odd denominations to a third party. Forexample, if the user wished to cash a resource distribution document of28.00 dollars at an ATM machine, the ATM can provide the user with 20.00dollars, but current ATM systems are not capable of providing the userwith the remaining 8.00 dollars. As such, the invention integrates theATM system with third party systems allowing the user to retransfer theremaining odd denomination to a charity, user third party account,credit card, debit card, or the like. Furthermore the system willintegrate into the ATM and will allow the user to transfer the odddenomination via person-to-person transfer to third party applicationsassociated with the user or to other individuals. Finally, the systemallows a user to swipe his/her credit or debit card from any source toaccept the odd denomination. The system may read the credit or debitcard and apply the remaining odd denomination to a balance associatedwith the credit or debit card.

In some embodiments, a computer terminal is configured to receive one ormore items (e.g., checks) and perform one or more user activitiesaccordingly. For example, the computer terminal may receive a check froma user for an amount of $117.42. Based on determining that the user is acustomer of a financial institution (e.g., based onidentifying/authenticating the user and determining that the user has anaccount with the financial institution, based on ascertaining that theuser initiated the user activity of check deposit by swiping a debit orcredit card associated with the financial institution, receiving a tokenassociated with a financial account from the user mobile device, and thelike), the computer terminal may perform one or more of the followingactivities, for example based on receiving user feedback: (i) transfer$117.42 to the user financial account, (ii) dispense at least a portionof $117.42 as cash or physical items, (iii) initiate a real timeresource transfer of at least a portion of the $117.42 to an integratedresource transfer application of the user mobile device (described indetail in the subsequent section), (iv) covert at least a portion of the$117.42 into merchant points or credit and initiate a real time resourcetransfer of the portion to a merchant account of the user, and/or (v)initiate a real time resource transfer of at least a portion of the$117.42 to an account of a charity entity. In some embodiments, thecomputer terminal may provide the above activities options to the user,for example as a presentation of the display device, and receive userconfirmation before commencing the activity. In some instances, thecomputer terminal may have items of only a certain type or quantity.Continuing with the previous example, the terminal may only havecurrency in the form of $10 and $20 bills, and may only be able todispense a portion of the $117.42 with the available $10 and $20 bills.For example, the computer terminal may only be able to dispense anamount of $110 as bills. For the remainder of $7.42 of the amount, theterminal may perform one or more of the following based on the userfeedback: (i) transfer $7.42 to the user financial account, (ii)initiate a real time resource transfer of $7.42 to an integratedresource transfer application of the user mobile device, (iii) covert$7.42 into merchant points or credit and initiate a real time resourcetransfer of the amount to a merchant account of the user, and/or (iv)initiate a real time resource transfer of the $7.42 to an account of acharity entity.

In some embodiments, the computer terminal is configured to allow anon-customer user to deposit a check, even when the non-customer user isnot affiliated with the financial institution associated with thecomputer terminal. For example, the non-customer user may deposit acheck for an amount of $117.42 at the terminal, for example afterrequisite authentication. In a similar manner as described above, basedon determining that the user is not a customer of the financialinstitution, the terminal may dispense $110 (or another suitable amountthat is a multiple of $10 and/or $20) as cash bills and perform one ormore of the following actions for the remainder of the amount (i)initiate a real time resource transfer of $7.42 to an integratedresource transfer application of the user mobile device, (ii) covert$7.42 into merchant points or credit and initiate a real time resourcetransfer of the amount to a merchant account of the user (for example,based on receiving merchant information from the sure), and/or (iv)initiate a real time resource transfer of the $7.42 to an account of acharity entity of the user's choice. In this manner the system isconfigured to convert at least a portion of the value of a physicalfinancial instrument (e.g., a check) to a virtual form.

That said, in some embodiments, continuing with the previous example,the system may dispense $120 in bills or transmit $120 to the integratedresource transfer application, thereby providing the $2.58 as a rewardto the customer.

Furthermore, in some embodiments, the user may have one or morefinancial instruments such as credit, debit cards, gift cards, rewardpoint cards, and the like. For example, a user who is a customer of thefinancial institution of the computer terminal may have a credit cardassociated with the financial institution, a non-customer user may havea credit or debit card associated with another different financialinstitution, or another user may have a rewards point card associatedwith another merchant/entity. In response to the user depositing thecheck for the amount of $117.42, the computer terminal may request theuser to swipe/insert the financial instrument (e.g., the credit card)and based on/during the swiping/insertion, transfer either all of or aportion of the amount (e.g., $7.42) to the user financial instrument tocredit/augment the instrument with that amount. In the instances where arewards point card is used the terminal may convert the amount into theequivalent points and then credit the card. Also, in the instances wherethe financial instruments may be contained within digital wallet oranother application of the user device, the system may request the userto “tap” the user device at the terminal and subsequently based on orduring the “tapping”, transfer the amount to the requisite digitalwallet or card within the digital wallet. Thereby, even, non-customerusers may receive the check amount as deposits into their existingaccounts.

Moreover, by transforming change amount such as $7.42 that would requiredispensing a variety of coins into a virtual deposit, the presentinvention provides savings in the expenses for transportation andmanagement of coins.

FIG. 1 illustrates a machine presented target distributor systemenvironment 100, in accordance with embodiments of the invention. Asillustrated, the system environment 100 may comprise a computer terminal120 (also referred to as a user activity terminal or ATM), in operativecommunication with one or more user devices 104 associated with a user102, a processing system 130, one or more sensor devices 112, one ormore visual capture devices 114, an authentication database 118, a thirdparty system 116 and/or other systems/devices not illustrated herein,via a network 101. As such, the computer terminal 120 is configured suchthat the user 102 may perform one or more user activities ortransactions by utilizing the computer terminal directly (for example,by physically operating the computer terminal 120 and its interfaces,using input/output devices of the terminal 120, using audio commands,using physical gestures, and the like) and/or via communication betweenthe user device 104 and the terminal 120 (for example, by establishingoperative communication channels between the user device 104 and theterminal 120 via a wireless network and interacting with the terminal120 via the devices and interfaces of the user device 104).

Typically, the processing system 130 and the authentication database 118are in electronic communication with the computer terminal 120, via thenetwork 101, which may be the internet, an intranet or the like. In FIG.1, the network 101 may include a local area network (LAN), a wide areanetwork (WAN), a global area network (GAN), and/or near fieldcommunication (NFC) network. The network 101 may provide for wireline,wireless, or a combination of wireline and wireless communicationbetween devices in the network. In some embodiments, the network 101includes the Internet. In some embodiments, the network 101 may includea wireless telephone network. Furthermore, the network 101 may comprisewireless communication networks to establish wireless communicationchannels such as a contactless communication channel and a near fieldcommunication (NFC) channel (for example, in the instances wherecommunication channels are established between the user device 104 andthe computer terminal 120). In this regard, the wireless communicationchannel may further comprise near field communication (NFC),communication via radio waves, communication through the internet,communication via electromagnetic waves and the like.

As discussed previously, the computer terminal 120 is configured tofacilitate performance of user activities, and is configured to providereal-time interactive sessions for the user 102. In some embodiments,the computer terminal 120 is an ATM 120 configured for uniquelyfacilitating user activities in accordance with some embodiments, whileensuring the security and privacy of the user. The components of thecomputer terminal 120, its features and functions will be described indetail through this disclosure and with respect to FIG. 2 and FIG. 3.

In some embodiments, the computer terminal 120 receives signals, imagesand other data captured by the sensor devices 112 and/or the visualcapture devices 114, during its execution of user activities. In thisregard, in some embodiments, the computer terminal 120 communicateswith, transmits instructions, and/or receives signals from the sensordevices 112 and the visual capture devices 114 directly, via the network101, typically, in real-time. In some embodiments, the computer terminal120 communicates with the sensor devices 112 and the visual capturedevices 114 through the processing system 130, typically, in real-time.Analyzing the signals received from the sensor devices 112 and thevisual capture devices 114 typically enables the computer terminal 120,the processing system 130, or the devices 112 and 114 themselves, todetermine user location, determine trigger events (e.g., user approachto the terminal 120, retrieve/identify user authentication credentialsfrom the user and/or the user device, establishing communication withthe user device in the vicinity of the terminal, determination ofwhether the user device comprises an integrated resource transferapplication, and the like), capture one or more parameters associatedwith the environment or physical location of the computer terminal 120,and the like.

In some embodiments, the sensor devices 112 are position sensorsconfigured to sense or determine the position and/or location of theuser 102, other individuals, objects/devices, or entities. As such, thesensor devices 112 may determine an absolute position (for example,location/positioning coordinates) or a relative position (for example,with respect to the position of the terminal 120, with respect toposition of the user or another individual, with respect to the sensor112 itself or a predetermined object and the like) of the user,individual or object. Here, in some embodiments, the sensor devices 112are proximity sensors that are configured to determine the presence ofthe user or object within a predetermined proximity area. These sensordevices 112 may be contact type sensors that determine the presence ofthe user or object based on contact, or non-contact type sensors thatdetect distant users or objects. Typically, the sensor devices 112comprise a first transducer that is configured to convert electricalenergy into a proximity signal (for example, an electromagnetic wave, asound wave, and the like) that is broadcast in a predetermined proximityarea. The incidence of the proximity signal on physical users or objectswithin the proximity area results in a return signal/wave that iscaptured by the sensor 112. The return signal/wave is then converted toan electric signal by a second transducer of the sensor. This electricsignal may be analyzed, in real-time, by the sensor 112, the terminal120, and/or the processing system 130, to determine the location of theuser/object and/or track movement of the user/object. Here, the sensor112 may be configured to perform modulation, demodulation, amplificationand output switching of the proximity and return signals.

For example, in some embodiments, the sensor devices 112 compriseultrasonic sensors that are configured to transmit a proximity signalcomprising sound waves (typically with frequencies above 18 kHz) and arefurther configured to receive a return signal in the form or an echo,which is then converted to an electric signal for analysis. As anotherexample, in some embodiments, the sensor devices 112 comprise opticalsensors or photoelectric sensors that are configured to transmit aproximity signal comprising electromagnetic waves, and specificallylight waves (for example, infrared waves with frequencies in the rangeof about 600 GHz to 430 THz, such as pulsed infrared or visible redwaves, laser waves in the visible or infrared frequency range, and thelike) and are further configured to receive a return signal, either inthe form of a reflection signal or interruption of the light proximitysignal at receiver associated with the sensor 112, which is thenconverted to an electric signal for analysis. As yet another example,the sensor devices 112 comprise inductive proximity sensors andinductive position sensors for determining the presence and positon,respectively, of users and objects, which generate an induction loop tothereby produce a proximity signal in the form or a magnetic field. Thepresence of users or objects varies the current flowing through the loopwhich facilitates determination of presence of users or objects. In someembodiments, the sensor devices 112 comprise sensor devices provided inthe user device 104, such as, biometric sensors (for example,fingerprint scanner of a mobile phone, heart rate or temperature monitorof a wearable user device, and the like), location sensors (for example,GPS devices, accelerometers, and the like), visual capturedevices/cameras, facial recognition devices, devices for capturing usergestures (for example, a touch screen) and other sensing devices of theuser device 104. Here, the terminal 120 and/or the processing system 130may transmit control signals to the user device to cause the sensingdevices of the user device 104 to capture one or more parameters and/orto transmit one or more captured parameters.

The visual capture devices 114 typically comprise cameras and otheraudio, video and image capture devices. These visual capture devices 114are configured to capture images and/or video streams, typically inreal-time, of a predetermined proximity area. The images and/or videostreams may be analyzed by the computer terminal 120, the processingsystem 130 and/or the capture devices 114, to determine the presence andposition of the user, other individuals or objects and their movement inthe proximity area. Although described separately, it is understood thatthe visual capture devices 114 may be associated with the sensor devices112. As such, sensors or sensor devices, as alluded to herein, may referto the various sensor devices described herein and the visual/imagecapture devices described herein.

As alluded to previously, the processing system 130 is in operativecommunication with the computer terminal 120. In some embodiments,processing system 130 is configured to transmit control instructionsthat are configured to cause the computer terminal 120, the user device104, the sensor device 112 and/or the visual capture devices 114 toperform at least a portion of the steps associated with one or moreactivities. The processing system 130 may be associated with the sameentity as the computer terminal 120 or may be associated with anotherentity. The structure and components of the processing system 130 isdescribed in detail with respect to FIG. 4. The computer terminal 120may further communicate with the third party system 116 and/or theauthentication database 118, either directly or via the processingsystem 130. The authentication database 118 may comprise authenticationcredentials associated with the user. The processing system 130 and/orthe computer terminal 120 may retrieve the authentication credentialsfrom the authentication database to authenticate the user prior toexecuting one or more user activities or transactions.

The user device 104 may comprise a mobile communication device, such asa cellular telecommunications device (i.e., a smart phone or mobilephone), a computing device such as a laptop computer, a personal digitalassistant (PDA), a mobile internet accessing device, or other mobiledevice including, but not limited to portable digital assistants (PDAs),pagers, mobile televisions, gaming devices, laptop computers, cameras,video recorders, audio/video player, radio, GPS devices, any combinationof the aforementioned, or the like. As discussed previously, in someembodiments, the computer terminals 120 of the present invention areconfigured to establish operative communication channels with the userdevice 104 such that, the user 102 may perform one or more useractivities, either entirely or in part, at the terminal 120 byinteracting with the user device 104. The user device 104 is describedin detail with respect to FIG. 5.

FIG. 2, illustrates a block diagram 200 of the computer terminal 120system, in accordance with some embodiments of the invention. Asdiscussed previously, the computer terminal 120 is, in some embodiments,and ATM and is configured to facilitate performance of user activities,and is configured to provide real-time interactive sessions for the user102, using one or more communication channels established via thenetwork 101. The computer terminal 120 typically includes a processingdevice or a processor 210, memory device 230, storage memory 220 ordatastore 220, and a communication device 270. As such, the computerterminal 120, and the processor 210 is particular, is configured toperform at least a portion of the steps of the embodiments describedherein, either based on executing computer readable instructions storedin the memory device 230, and/or based on receiving instructions,indications, or signals from other systems and devices such as theprocessing system 130, the user device 104, sensor devices 112, visualcapture devices 114, the user 102, and/or other systems. In someembodiments, the processing system 130 is configured to transmit controlinstructions to, and cause the processing device 210 to perform one ormore steps of the embodiments presented herein. For example, theprocessing system 130 may detect a trigger event and transmit anindication to the processing device 210. In response to receiving thecontrol signal from the system 130, the processing device 210 mayinitiate a presentation of environment parameters.

The processing device 210 may generally refer to a device or combinationof devices having circuitry used for implementing the communicationand/or logic functions of the computer terminal 120. For example, theprocessing device 210 may include a control unit, a digital signalprocessor device, a microprocessor device, and various analog-to-digitalconverters, digital-to-analog converters, and other support circuitsand/or combinations of the foregoing. Control and signal processingfunctions of the computer terminal 120 may be allocated between theseprocessing devices according to their respective capabilities.

The computer terminal 120 may further include various components/devicesin operative communication with and/or controlled by the processor 210,such as user output devices 286, user input devices 240, a networkcommunication interface 279 (such as a contactless interface 279), apower source 215, and the like. Furthermore, in some embodiments, theprocessor 210 is operatively coupled to and is configured to controlother components/devices of the computer terminal 120, such as an imagecapture device 250, sensor devices 290, and the like. These componentsand devices are described in detail below.

The memory device 230 and the storage memory 220 may generally refer toa device or combination of devices that store one or more forms ofcomputer-readable media for storing data and/or computer-executableprogram code/instructions. In some embodiments, the storage memory 220is integral with the memory device 230. In some embodiments, the memorydevice 230 comprises a non-transitory, computer readable storage medium.For example, the memory device 230 and/or the storage memory 220 mayinclude any computer memory that provides an actual or virtual space totemporarily or permanently store data and/or commands provided to theprocessing device 210 when it carries out its functions describedherein.

As illustrated by FIG. 2, the memory device 230 typically comprises acomputer terminal application 232 (also referred to as a terminalapplication), an authentication module 234, a computer terminalapplication datastore 236 stored therein. In some embodiments, theauthentication module 234 is integral with the computer terminalapplication 232. In some embodiments, the computer terminal applications232 and/or the authentication module 234 may be executable to initiate,perform, complete, and/or facilitate one or more portions of anyembodiment described and/or contemplated herein, either independently orin response to receiving control instructions from the processing system130. In some embodiments, the computer terminal application/module 232comprises computer readable instructions stored in the memory device230, which when executed by the processing device 210, are configured tocause the processing device 210 to perform one or more steps of theembodiments presented herein, and/or cause the processing device totransmit control instructions to other components of the terminal 120and other devices/systems in the network 101 to cause them to performthe steps. Generally, the computer terminal application 232 isexecutable to receive activity instructions from the user and performuser activities and the various steps described herein. In someembodiments, the computer terminal application 232 comprises a personaldigital assistant for interfacing with the user at the terminal. Thecomputer terminal application 232 may be coupled to a computer terminalapplication datastore 236 for storing application data as the useractivity is being performed. The computer terminal application datastore236 may store the application data temporarily for the predeterminedduration of the execution of the activity (such as a memory buffer, orcache memory), or permanently.

The computer terminal 120 may require users to identify and/orauthenticate themselves before the computer terminal 120 may initiate,perform, complete, and/or facilitate a user activity. For example, insome embodiments, the computer terminal 120 is configured (and/or thecomputer terminal application 232 is executable) to authenticate acomputer terminal user based at least partially on a computer terminaldebit card, smart card, token (e.g., USB token, etc.), username,password, PIN, biometric information, and/or one or more othercredentials that the user presents to the computer terminal 120.Additionally or alternatively, in some embodiments, the computerterminal 120 is configured to authenticate a user by using one-, two-,or multi-factor authentication. For example, in some embodiments, thecomputer terminal 120 requires two-factor authentication, such that theuser must provide a valid debit card and enter the correct PINassociated with the debit card in order to authenticate the user to thecomputer terminal 120. However, either alternatively or in addition tothe aforementioned authentication features, the computer terminal 120may require biometric authentication of the user 102 before initiating,performing, completing, and/or facilitating a user activity.

In some embodiments, the authentication module 234 comprises computerreadable instructions that when executed by the processing device 210cause the processing device to perform one or more functions and/ortransmit control instructions to other components or devices to performone or more authentication steps described herein. These authenticationsteps typically include requesting authentication credentials from theuser via the user output devices 286 (for example, based on determiningthe desired authorization level for the user activity), activatingpertinent sensors and devices for receipt of the credentials (sensordevices 290/image capture devices 250 for biometric credentials, cardreader devices 240 for reading magnetic strips of the user's card(s),contact less interface device 279 for receiving authentication tokensfrom a user device via NFC channels, and the like), receivingauthentication credentials, validating the credentials (for examplebased on retrieving user credentials from the datastore 236, memory 220,processing system 130 and/or database 118), and the like. That said, asshown, the processing device 210, in turn, is operatively connected toand is also configured to control and cause the communication device270, the memory device 230, and other components described herein toperform one or more functions, at least in part.

The communication device 270 may comprise a modem 271 (not illustrated),a receiver 272, a server 273 (not illustrated), a transmitter 274,transceiver, and/or another device for communicating with other devicesand systems on the network 101. The communication device 270 may furthercomprise a contact, contactless, wireless and/or wired interface that isconfigured to establish communication between components of the computerterminal 120, between the computer terminal 120, particularly theprocessing device 210, and other devices or systems, such as theprocessing system 130, the user device 104, the authentication database118, the third party system 116, and the like. In this regard, thecommunication interface 270 comprises a transmitter 274, a receiver 272,a broadcasting device 276 to transmit and receive signals fromcorresponding devices via a suitable transmission medium or acommunication channel. In some embodiments, the computer terminal 120 isconfigured to be coupled/connected to other devices and systems viawired communication channels. In other embodiments, the computerterminal 120 is configured to be coupled/connected to other devices viaa wireless channel. In this regard, the wireless communication channelmay comprise near field communication (NFC), communication via radiowaves, communication through the internet, communication viaelectromagnetic waves and the like. The communication device 270 mayfurther comprise a contactless interface device 279 for establishingcontactless communication with other devices, such as the user device104. Here, the computer terminal 120 may include a transceiver, i.e.,one or more antennas and and/or other electronic circuitry, devices, andsoftware, for receiving data when a device is held close to or tapped ata suitable location of the computer terminal 120. Here, radio frequencysignals may be transmitted and received in the radio frequency band,such as 13.56 MHz which is generally the frequency for NFC. In oneembodiment, the ISO/IEC 14443 standard may define the protocolassociated with the data carried by these radio frequency signals. Inone embodiment, the transmitter 274 and receiver 272 may transmit andreceive radio frequency signals, respectively, from the computerterminal 120 within a distance of up to approximately 25 cm, and from0-20 cm, such as from 0-15 cm, and 0-10 cm, and the like.

Establishing the communication channels may also include signalinginformation in accordance with the air interface standard of theapplicable cellular system of the wireless telephone network that may bepart of the network 101. In this regard, the computer terminal 120 maybe configured to operate with one or more air interface standards,communication protocols, modulation types, and access types. By way ofillustration, the computer terminal 120 may be configured to operate inaccordance with any of a number of first, second, third, and/orfourth-generation communication protocols and/or the like. For example,the computer terminal 120 may be configured to operate in accordancewith second-generation (2G) wireless communication protocols IS-136(time division multiple access (TDMA)), GSM (global system for mobilecommunication), and/or IS-95 (code division multiple access (CDMA)), orwith third-generation (3G) wireless communication protocols, such asUniversal Mobile Telecommunications System (UMTS), CDMA2000, widebandCDMA (WCDMA) and/or time division-synchronous CDMA (TD-SCDMA), withfourth-generation (4G) wireless communication protocols, and/or thelike. The computer terminal 120 may also be configured to operate inaccordance with non-cellular communication mechanisms, such as via awireless local area network (WLAN) or other communication/data networks.

The user interface of the computer terminal 120 may include user inputdevices 240 and user output devices 286, as illustrated by FIG. 2. Theuser interface of the computer terminal 120 is typically configured tofacilitate the interactive sessions with the user. The user outputdevices 286 typically include a display 280 (e.g., a liquid crystaldisplay, a touchscreen display, and/or the like) which is operativelycoupled to the processing device 210. In some embodiments, where thecomputer terminal 120 requests the user's signature (if needed), thedisplay may also serve as a touchpad input device to input the user'ssignature via a stylus. Other output devices may include one or moreLEDs or an audio speaker 282, both which may indicate to the uservarious steps of a user activity. The output devices 286 including thedisplay 280 typically provide instructions and information to the user,regarding the user activity and steps associated with the user activity.The user interface 126 may include any number of user input devices 240allowing the computer terminal 120 to transmit/receive data to/from theuser 102, such as a keypad, keyboard, touch-screen, touchpad,microphone, mouse, joystick, other pointer device, button, soft key,and/or other input device(s). A printer that can print paper receiptsmay also be incorporated into the computer terminal 120.

As illustrated by FIG. 2, the computer terminal may further comprise animage capture device 250. The image capture device 250 typicallycomprises cameras and other audio, video and image capture devices. Theimage capture device 250 is configured to capture images and/or videostreams, typically in real-time, of a predetermined proximity area inthe vicinity of the computer terminal 120 location. The images and/orvideo streams may be analyzed by the computer terminal 120 to determinethe presence and position of the user, other individuals or objects andtheir movement in the proximity area, to identify the user forauthentication or facial recognition purposes, and the like. In someembodiments, the system is configured to present a customized interfacefor the user based on identifying the user using facial recognition.

In some embodiments, the computer terminal further comprises sensordevices 290. In some embodiments, the processor 210 communicates with,transmits instructions, and/or receives signals from the sensor devices290, in real-time for detecting the presence of the users or otherindividuals, determining user location, capturing authenticationcredentials for the user, determining parameters associated with theuser, determining trigger events, capturing one or more parametersassociated with the environment or physical location of the computerterminal 120, and the like. These sensor devices 112 may be contact typesensors that determine the presence of the user or object based oncontact, or non-contact type sensors that detect distant users orobjects. In some embodiments, the sensor devices 290 of the computerterminal are similar to the sensor devices 112 described previously, fordetermining the absolute or relative position, location, and proximityof the user, other individuals, or predetermined objects (such asvehicles, and vehicle features like contours of windows), within apredetermined proximity area. For example, the sensor devices 290 maycomprise ultrasonic sensors, optical sensors, photoelectric sensors,capacitance sensors, inductive proximity/position sensors, visualcapture devices (as described with respect to image/visual capturedevices 114 and 250), and the associated transducers, transmitter andmodulators, described in detail previously.

In some instances, the sensor devices 290 comprise biometric sensors forcapturing parameters associated with the user, such as fingerprintscanners, voice recognition sensors, facial recognition sensors, heartrate sensors, user stress level sensors and the like. These biometricsensors 290 are configured to retrieve, receive, analyze and or validatebiometric credentials associated with the user. In this regard, thebiometric sensors 290 may comprise optical sensors, ultrasonic sensors,and/or capacitance sensors. The biometric sensors may further compriseradio frequency, thermal, pressure, piezo-resistive/piezoelectric,microelectromechanical sensors, and the like.

FIG. 3 provides a representative illustration of a computer terminal606, in accordance with one embodiment of the present invention. In someembodiments, the computer terminal 606 is a representative ATM. In someembodiments, the representative ATM may comprise features similar tofeatures found on a standard ATM. The lighting means 608 may be locatedabove the display 602 that may provide a customer light for use duringan ATM transaction. Of note, the display 602 may be vertically adjustedor horizontally adjusted along tracks or the like to position itselfacross the entire ATM 606. While currently illustrated in the upper leftcorner of the ATM 606, one will appreciate that the display may move tothe right upper corner or below to the lower corners of the ATM 606and/or anywhere in between if necessary. The lighting means 608 may alsobe moved with the ATM display 602 and provide the customer a safetymechanism to aid in the ATM transaction.

The cash receptacle 607 may provide the customer means for receivingcash that the customer requests for a withdraw through the ATMtransaction. In some embodiments, the ATM 606 may also include acontactless identification sensor 612, a contact identification sensor614 such as a debit or ATM card acceptor, a keypad 604, a receiptreceptacle 610, and a deposit receptacle 616. In some embodiments, thecontactless identifier 612 and/or the contact identifier 614 may providethe ATM 606 means of receiving identification from the customer. Thecustomer may provide contactless or contact identification means throughthe ATM 606. The identification means using the contactless or contactidentifications may be provided through several mechanisms, including,but not limited to, biometric identification, laser identification,magnetic strip identification, barcode identification, radio frequency(RF), a character recognition device, a magnetic ink, code readers,wireless communication, debit card scanning, ATM card scanning, and/orthe like. The authentication from the contactless identifier of contactidentifier may be read by the ATM application. After the authenticationhas been read, the system may provide the authentication to thefinancial institution to authorize an ATM transaction.

In some embodiments, the keypad 604 may provide for identification ofthe customer for use of the ATM 606. The keypad 604 may provide thecustomer means for inputting a pin number identification. In this way,the keypad 604 enables the customer to input his pin number into the ATM606. In some embodiments, the pin number inputted on the keypad 604 maybe read by the system. After the pin number has been read, the ATM 606may receive the pin number and provide authentication of theidentification with the financial institution system.

The display 602 provides a means for displaying information related tothe customer's ATM transaction. Display information may be, but is notlimited to display of interfaces, such as the start-up interface and anATM transaction interface. In some embodiments, the display 402 is atouch screen display module

FIG. 4 illustrates a block diagram of the processing system associatedwith the target distributor system environment 300, in accordance withembodiments of the present invention. As illustrated in FIG. 4, theprocessing system 130 may include a communication device 344, aprocessing device 342, and a memory device 350 having an authenticationapplication/module 353, a processing system application 354 and aprocessing system datastore 355 stored therein. As shown, the processingdevice 342 is operatively connected to and is configured to control andcause the communication device 344, and the memory device 350 to performone or more functions. Furthermore, the processing device 342 istypically configured to control and cause the processing device 210 ofthe computer terminal 120, the sensor devices 112, and visual capturedevices 114, to perform one or more functions. In some embodiments, theauthentication application 353 and/or the processing system application354 comprises computer readable instructions that when executed by theprocessing device 342 cause the processing device 342 to perform one ormore functions and/or transmit control instructions to the computerterminal 120, the authentication database 118, the third party system116, the sensor devices 112, and visual capture devices 114, and/or thecommunication device 344. It will be understood that the authenticationapplication 353 and/or the processing system application 354 may beexecutable to initiate, perform, complete, and/or facilitate one or moreportions of any embodiments described and/or contemplated herein, andspecifically embodiments directed to user activities. The authenticationapplication 353 may comprise executable instructions associated with oneor more authentication steps of user activities, and may be embodiedwithin the processing system application 354 in some instances. In someembodiments, the authentication application 353 is similar to theauthentication module 234 described previously. The processing system130 may be owned by, operated by and/or affiliated with financialinstitutions or other entities. Although some embodiments of theinvention herein are generally described as involving a “financialinstitution,” one of ordinary skill in the art will appreciate thatother embodiments of the invention may involve other businesses thattake the place of or work in conjunction with the financial institutionto perform one or more of the processes or steps described herein asbeing performed by a financial institution. Still in other embodimentsof the invention the financial institution described herein may bereplaced with other types of businesses that may provide paymentaccounts for transactions. In accordance with embodiments of theinvention, the term “financial institution” refers to any organizationin the business of moving, investing, or lending money, dealing infinancial instruments, or providing financial services. This includescommercial banks, thrifts, federal and state savings banks, savings andloan associations, credit unions, investment companies, merchants,insurance companies and the like.

The communication device 344 may generally include a modem, server,transceiver, and/or other devices for communicating with other deviceson the network 101. The network communication device 344 may be acommunication interface having one or more communication devicesconfigured to communicate with one or more other devices on the network101, such as the processing system 130, the sensor devices 112, andvisual capture devices 114, other processing systems, data systems, etc.

Additionally, referring to processing system 130 illustrated in FIG. 4,the processing device 342 may generally refer to a device or combinationof devices having circuitry used for implementing the communicationand/or logic functions of the processing system 130. For example, theprocessing device 342 may include a control unit, a digital signalprocessor device, a microprocessor device, and various analog-to-digitalconverters, digital-to-analog converters, and other support circuitsand/or combinations of the foregoing. Control and signal processingfunctions of the system 130 may be allocated between these processingdevices according to their respective capabilities. The processingdevice 342 may further include functionality to operate one or moresoftware programs based on computer-executable program code 352 thereof,which may be stored in a memory device 350, such as the processingsystem application 354 and the authentication application 353. As thephrase is used herein, a processing device may be “configured to”perform a certain function in a variety of ways, including, for example,by having one or more general-purpose circuits perform the function byexecuting particular computer-executable program code embodied incomputer-readable medium, and/or by having one or moreapplication-specific circuits perform the function. The processingdevice 342 may be configured to use the network communication interfaceof the communication device 344 to transmit and/or receive data and/orcommands to and/or from the other devices/systems connected to thenetwork 101.

Furthermore, a “user interface” (not illustrated) may be associated withthe processing system 130 and may generally include a plurality ofinterface devices and/or software that allow a user to input commandsand data to direct the processing device to execute instructions. Forexample, the user interface may include a graphical user interface (GUI)or an interface to input computer-executable instructions that directthe processing device to carry out specific functions. The userinterface may employ certain input and output devices to input datareceived from the user 102 or output data to the user 102. These inputand output devices may include a display, mouse, keyboard, button,touchpad, touch screen, microphone, speaker, light, joystick, switch,and/or other customer input/output device for communicating with one ormore customers. In some embodiments, the user interface may be providedexternally to the processing system, for example on one or moreworkstations connected to the system 130, the user device 104 or thedisplay device 280 of the computer terminal 120. As another example, theuser interface may be provided on the computer terminal 120 that may becontrolled by the processing system 130 either directly or via theprocessing device 210 of the computer terminal 120.

The memory device 350 within the processing system 130 may generallyrefer to a device or combination of devices that store one or more formsof computer-readable media for storing data and/or computer-executableprogram code/instructions. For example, the memory device 350 mayinclude any computer memory that provides an actual or virtual space totemporarily or permanently store data and/or commands provided to theprocessing device 342 when it carries out its functions describedherein. The processing system 130 may be used by a third party/entity116 to interact with the computer terminal 120, based on providingrequisite authorization. The processing system 130 may further comprisea user data repository 356 comprising user authentication data 357 anduser account data 358. The processing system 130 may utilize theauthentication data 357 to validate user authentication credentials.Furthermore, the account data 358 may reflect the current account dataof the user.

FIG. 5 illustrates a block diagram of the user device associated withthe target distributor system environment 400, in accordance withembodiments of the present invention. The user device 104 may include auser mobile device or the like. A “mobile device” 104 may be any mobilecommunication device, such as a cellular telecommunications device(i.e., a cell phone or mobile phone), personal digital assistant (PDA),a mobile Internet accessing device, or another mobile device including,but not limited to portable digital assistants (PDAs), pagers, mobiletelevisions, gaming devices, laptop computers, cameras, video recorders,audio/video player, radio, GPS devices, any combination of theaforementioned devices.

The mobile device 104 may generally include a processing device orprocessor 410 communicably coupled to devices such as, a memory device420, user output devices 430 (for example, a user display device 432, ora speaker 434), user input devices 440 (such as a microphone, keypad,touchpad, touch screen, and the like), a communication device or networkinterface device 470, a power source 415, a clock or other timer 480, avisual capture device such as a camera 450, a positioning system device460, such as a geo-positioning system device like a GPS device, anaccelerometer, and the like, one or more chips, and the like. Theprocessor 410 may further include a central processing unit 402,input/output (I/O) port controllers 404, a graphics controller 405, aserial bus controller 406 and a memory and local bus controller 408.

The processor 410 may include functionality to operate one or moresoftware programs or applications, which may be stored in the memorydevice 420. For example, the processor 410 may be capable of operatingapplications such as the activity application 425, a integrated resourcetransfer application 423, or a web browser application. The activityapplication 425 may then allow the mobile device 104 to transmit andreceive data and instructions from the computer terminal 120 (forexample, via wireless communication or NFC channels), data andinstructions from the processing system 130, web content, such as, forexample, location-based content and/or other web page content, accordingto a Wireless Application Protocol (WAP), Hypertext Transfer Protocol(HTTP), and/or the like.

The integrated resource transfer application 423 and the financial datamodule 427, together may include the necessary circuitry to providetoken storage and transmission functionality, transmitter device signalencoding and decoding functionality to the mobile device 104, for securetransmission of financial and authentication credential tokens via thecontactless communication interface 479 to the computer terminal 120.That said, in some embodiments the integrated resource transferapplication 423 is pre-installed on the user device 104, while in otherembodiments, the terminal 120 may transmit and cause installation of theapplication 423 based on determining that the user device 104 does notcomprise the application 423, when the user device is within apre-determined distance from the terminal 120.

The processor 410 may be configured to use the network interface device470 to communicate with one or more other devices on a network 101 suchas, but not limited to the computer terminal 120 and the processingsystem 130. In this regard, the network interface device 470 may includean antenna 476 operatively coupled to a transmitter 474 and a receiver472 (together a “transceiver”), modem 478 and a contactlesscommunication interface 479. The processor 410 may be configured toprovide signals to and receive signals from the transmitter 474 andreceiver 472, respectively. The signals may include signalinginformation in accordance with the air interface standard of theapplicable BLE standard, cellular system of the wireless telephonenetwork and the like, that may be part of the network 101. In thisregard, the mobile device 104 may be configured to operate with one ormore air interface standards, communication protocols, modulation types,and access types. By way of illustration, the mobile device 104 may beconfigured to operate in accordance with any of a number of first,second, third, and/or fourth-generation communication protocols and/orthe like. For example, the mobile device 104 may be configured tooperate in accordance with second-generation (2G) wireless communicationprotocols IS-136 (time division multiple access (TDMA)), GSM (globalsystem for mobile communication), and/or IS-95 (code division multipleaccess (CDMA)), or with third-generation (3G) wireless communicationprotocols, such as Universal Mobile Telecommunications System (UMTS),CDMA2000, wideband CDMA (WCDMA) and/or time division-synchronous CDMA(TD-SCDMA), with fourth-generation (4G) wireless communicationprotocols, and/or the like. The mobile device 104 may also be configuredto operate in accordance with non-cellular communication mechanisms,such as via a wireless local area network (WLAN) or othercommunication/data networks. The mobile device 104 may also beconfigured to operate in accordance Bluetooth® low energy, audiofrequency, ultrasound frequency, or other communication/data networks.

The network interface device 470 or communication device 470 may alsoinclude a user activity interface presented in user output devices 430in order to allow a user 102 to execute some or all of processesdescribed herein. The application interface may have access to thehardware, for example, the transceiver, and software previouslydescribed with respect to the network interface device 470. Furthermore,the application interface may have the ability to connect to andcommunicate with an external data storage on a separate system withinthe network 101. As described above, the mobile device 104 includes adisplay device 432 having a user interface that includes user outputdevices 430 and/or user input devices 440. The user output devices 430may include a display 432 (e.g., a liquid crystal display (LCD) or thelike) and a speaker 434 or other audio device, which are operativelycoupled to the processor 410. The user input devices 440, which mayallow the mobile device 104 to receive data from the user 102, mayinclude any of a number of devices allowing the mobile device 104 toreceive data from a user 102, such as a keypad, keyboard, touch-screen,touchpad, microphone, mouse, joystick, other pointer device, button,soft key, and/or other input device(s).

The mobile device 104 may further include a power source 415. Generally,the power source 415 is a device that supplies electrical energy to anelectrical load. In some embodiment, power source 415 may convert a formof energy such as solar energy, chemical energy, mechanical energy, andthe like, to electrical energy. Generally, the power source 415 in amobile device 104 may be a battery, such as a lithium battery, anickel-metal hydride battery, or the like, that is used for poweringvarious circuits, for example, the transceiver circuit, and otherdevices that are used to operate the mobile device 104. Alternatively,the power source 415 may be a power adapter that can connect a powersupply from a power outlet to the mobile device 104. In suchembodiments, a power adapter may be classified as a power source “in”the mobile device 104.

The mobile device 104 may also include a memory buffer, cache memory ortemporary memory device operatively coupled to the processor 410.Typically, one or more applications 425 and 423, are loaded into thetemporarily memory during use. As used herein, memory may include anycomputer readable medium configured to store data, code, or otherinformation. The memory device 420 may include volatile memory, such asvolatile Random Access Memory (RAM) including a cache area for thetemporary storage of data. The memory device 420 may also includenon-volatile memory, which can be embedded and/or may be removable. Thenon-volatile memory may additionally or alternatively include anelectrically erasable programmable read-only memory (EEPROM), flashmemory or the like.

In some instances, various features and functions of the invention aredescribed herein with respect to a “system.” In some instances, thesystem may refer to the computer terminal 120 performing one or moresteps described herein in conjunction with other devices and systems,either automatically based on executing computer readable instructionsof the memory device 230, or in response to receiving controlinstructions from the processing system 103. In some instances, thesystem refers to the processing system 103. In some instances, thesystem refers to the devices and systems on the network environment 100of FIG. 1. The features and functions of various embodiments of theinvention are be described below in further detail.

It is understood that the servers, systems, and devices described hereinillustrate one embodiment of the invention. It is further understoodthat one or more of the servers, systems, and devices can be combined inother embodiments and still function in the same or similar way as theembodiments described herein.

FIG. 6 illustrates a process flow for setting up the odd denominationalresource distributor system on a computer terminal 700, in accordancewith embodiments of the present invention. As illustrated in block 702,the process 700 is initiated by integrating into a computer terminal. Insome embodiments, the computer terminal is a public ATM machine such asthe one described in more detail in FIG. 3. The system may integratesoftware and/or hardware applications into the computer terminal forcompletion of odd denominational resource distribution capabilities fromthat computer terminal.

As illustrated in block 704, the process 700 continues by linking withvarious third party resource distribution applications. The third partyresource distribution applications may be third party applications oraccounts that may be associated with a user and store or be capable ofdistributing resources. In this way, third parties may include vendors,financial institutions, credit card companies, payment rails, or thelike. Furthermore third party resource distribution applications mayinclude credit cards, debit cards, gift cards, person-to-person paymentrails, merchant online accounts, or the like. In this way, the systemmay link to these third party systems directly in order to identify oneor more accounts associated with a user and in order to distribute anyremainder of resources from an odd denomination cash request from areceived resource distribution document. In some embodiments, theresource distribution document may be a check.

Next, as illustrated in block 706, the process 700 continues by queuingthe computer terminal for acceptance of odd denomination resourcedistribution documents. In this way, a typical computer terminal or ATMmay be able to dispense funds in denominations divisible by $5.00,$10.00, or $20.00. Standard computer terminals are not capable ofdispensing change and/or odd denominations that are not made of up$5.00, $10.00, or $20.00 dollar bills. For example, a standard computerterminal cannot provide a user with $8.25 as it does not have therequired currency to be able to distribute exact change to the user.This system allows the computer terminal to distribute the currency thatit has available, then contribute the remaining currency to a thirdparty resource distribution application associated with the user.

Finally, as illustrated in block 708, the process 700 is completed byidentifying the third party resource distribution applicationsassociated with the particular use requesting the odd denominationcurrency retrieval from the computer terminal.

FIG. 7 illustrates a process of odd denominational resource distribution500, in accordance with embodiments of the present invention. Asillustrated in block 502, the process is initiated by integrating acomputer terminal. The system may integrate software and/or hardwareapplications into the computer terminal for completion of odddenominational resource distribution capabilities from that computerterminal.

As illustrated in block 504, the process 500 continues by identifying auser at a computer terminal inserting a resource distribution documentrequesting the document be exchanged for resources. In this way, theuser may be at an ATM inserting a check into the machine and requestingto cash the check. Furthermore, the user may be authorized to thecomputer terminal. In this way, the user may have inserted a credit ordebit card and provided the computer terminal with a PIN number oralternative authorization code. In this way, the user may have anaccount with a financial institution associated with the computerterminal. In other embodiments, the user may not have an account withthe financial institution associated with the computer terminal, butinput of the resource distribution document at the computer terminal mayallow the user cash the resource distribution document at the computerterminal and allow for access to his/her resources at a differentfinancial institution for odd denominational remainder resourcedistribution.

Next, as illustrated in block 506, the system confirms that the user hasprovided a resource distribution document with an odd denomination. Anodd denomination resource distribution document is any document that hasan amount of resources requested to be cashed at the computer terminalthat the computer terminal does not have exact change to cash. Forexample, if the computer terminal only has $20.00 currency bills andresource distribution document that is no divisible by $20.00 is an odddenomination. As such, an odd denomination is dependent on the varietyof currency that the computer terminal has available for distribution.In this way, a typical computer terminal or ATM may be able to dispensefunds in denominations divisible by $5.00, $10.00, or $20.00. Standardcomputer terminals are not capable of dispensing change and/or odddenominations that are not made of up $5.00, $10.00, or $20.00 dollarbills. For example, a standard computer terminal cannot provide a userwith $8.25 as it does not have the required currency to be able todistribute exact change to the user. This system allows the computerterminal to distribute the currency that it has available, thencontribute the remaining currency to a third party resource distributionapplication associated with the user.

In some embodiments, the user may select a transfer option for an odddenomination. In some embodiments, the user may select a transfer optionfor any denomination, irrespective of if the ATM is capable of providingthat denomination.

Once the system confirms that the user inserted a resource distributiondocument that is an odd denomination for that computer terminal, thesystem may present denominations that are available from the computerterminal and hold the resource value remainder from the odd denominationrequest received, as illustrated in block 508. In this way, the computerterminal will provide the user with as close to the denomination fromthe resource distribution document as possible based on the currency thecomputer terminal currently has available. The remainder of the odddenomination from the resource distribution document may be held foruser determination of transfer.

As illustrated in block 510, the process 500 continues by presentingtransfer options to the user for the remainder of the odd denomination,full denomination, or part of the denomination. The options may bepresented via a display screen on the computer terminal. The options mayinclude one or more third party resource distribution applicationsavailable to the user. These are described in more detail in FIG. 8. Insome embodiments, the user may select a transfer option for an odddenomination. In some embodiments, the user may select a transfer optionfor any denomination, irrespective of if the ATM is capable of providingthat denomination.

Once the user selects one or more of the transfer options, the systemmay communicate with the selected third party resource distributionapplication for distribution of the odd denomination remainder, asillustrated in block 512. The third party resource distributionapplications may be third party applications or accounts that may beassociated with a user and store or be capable of distributingresources. In this way, third parties may include vendors, financialinstitutions, credit card companies, payment rails, or the like.Furthermore third party resource distribution applications may includecredit cards, debit cards, gift cards, person-to-person payment rails,merchant online accounts, or the like. In this way, the system may linkto these third party systems directly in order to identify one or moreaccounts associated with a user and in order to distribute any remainderof resources from an odd denomination cash request from a receivedresource distribution document. In some embodiments, the resourcedistribution document may be a check. In some embodiments, the user mayselect a transfer option for an odd denomination. In some embodiments,the user may select a transfer option for any denomination, irrespectiveof if the ATM is capable of providing that denomination.

As illustrated in block 514, the process 500 is completed bytransferring via a secured communication the remainder of the odddenomination to the selected third party resource distributionapplication. As such, the remainder of the odd denomination from theresource distribution document is transferred to the third partyresource distribution application associated with the user and appliedto the user account associated with that third party.

FIG. 8 illustrates a process of selection of third party resourcedistribution applications for odd denomination deployment 800, inaccordance with embodiments of the present invention. As illustrated inblock 802, the process 800 provides user associated third party resourcedistribution applications for user selection via the computer terminal.The third party resource distribution applications include credit/debitcards 804, person-to-person payment 806, charity distributions 808, orvendor accounts 810.

Credit/debit card 804 user associated third party resource distributionapplications may be swiped or scanned at the computer terminal by theuser. The system may then take the credit/debit card information fromthe scan and apply the odd denomination remainder to the credit/debitcard as a credit. In some embodiments, the credit/debit card 804 userassociated third party resource distribution applications may includedigital wallets and other mobile payment capabilities.

Person-to-person payment 806 user associated third party resourcedistribution applications may allow a user to transfer the odddenomination remainder from the resource distribution document toanother person or merchant via a P2P channel or payment rail.

Charity distributions 808 user associated third party resourcedistribution applications may allow a user to distribute the odddenomination remainder from the resource distribution document to acharity of his/her choice based on selection via the computer terminaldisplay.

Vendor accounts 810 user associated third party resource distributionapplications may allow a user to transfer the odd denomination remainderfrom the resource distribution document to a vendor account, such as amerchant credit account, online store, or the like, as a credit for theuser's next purchase with that vendor.

As illustrated in block 812, once the user selects one or more of thetransfer options, the system receive the user selected third partyresource distribution application for the resource value remainder to beapplied. Next, as illustrated in block 814, the process 800 continues bythe system communicating with the selected third party resourcedistribution application for distribution of the odd denominationremainder. The third party resource distribution applications may bethird party applications or accounts that may be associated with a userand store or be capable of distributing resources. In this way, thirdparties may include vendors, financial institutions, credit cardcompanies, payment rails, or the like as illustrated in block 802. Inthis way, the system may link to these third party systems directly inorder to identify one or more accounts associated with a user and inorder to distribute any remainder of resources from an odd denominationcash request from a received resource distribution document. In someembodiments, the resource distribution document may be a check.

As illustrated in block 816, the process 800 is completed bytransferring via a secured communication the remainder of the odddenomination to the selected third party resource distributionapplication. As such, the remainder of the odd denomination from theresource distribution document is transferred to the third partyresource distribution application associated with the user and appliedto the user account associated with that third party.

Secure Item Replenishment and Management

Typically, the computer terminal 120 is configured to dispense one ormore physical items such as currency (e.g., bills or a certaindenomination, coins), receipts, printed output and the like. In someembodiments, the computer terminal 120 comprises a docking station (notillustrated) that is configured to receive an item replenishment devicefor replacing dispensed items in the computer terminal 120. For example,the computer terminal 120 may be depleted in its stock of bills of afirst denomination by “N” number of bills. In some instances, theterminal 120 may transmit a signal to the processing system 130indicating the deficit. Next, an associate or another individualemployed by/associated with the entity or financial institutionoperating the computer terminal 120 may insert an item replenishmentdevice into the docking station. Typically, the item replenishmentdevice (e.g., a cash cassette) is a secure device that is substantiallytamper proof. Specifically, an individual having the item replenishmentdevice is typically not able access or even ascertain the type, numberor quantity of items in the item replenishment device without damagingthe items contained within.

Once the item replenishment device is inserted into the docking station,the computer terminal is typically configured to recognize the deviceand establish a wireless or wireline communication channel with it. Thecomputer terminal 120 may then determine the type of items containedtherein and the number of each item. Based on determining that the itemreplenishment device comprises at least “N” number of bills of the firstdenomination, the computer terminal may automatically withdraw the Nnumber of bills from the device and store them within the computerterminal. Based on determining that the item replenishment device doesnot comprise the “N” number of bills of the first denomination orcomprises Y number of bills fewer that those required, the computerterminal may transmit a signal to the device and/or to the processingsystem indicating the requirement in real time. Subsequently theterminal may withdraw the N-Y number of bills from the device. Next,when the item replenishment device is docked in a reserves station ofthe entity/financial institution (e.g., at an armored cash vehicle), theitem replenishment device may automatically communicate to the reservesstation regarding the deficit of the required number of bills at theterminal, which may then be inserted into the item replenishment deviceby the reserves station, automatically and securely, without externalstimuli. The computer terminal may withdraw the Y number of bills whenthe item replenishment device is re-inserted into the docking station.

Enhanced Resource Interchange

In some embodiments, the computer terminal is configured to receive oneor more items (e.g., checks) and perform one or more user activitiesaccordingly. For example, the computer terminal may receive a check froma user for an amount of $117.42. Based on determining that the user is acustomer of a financial institution (e.g., based onidentifying/authenticating the user and determining that the user has anaccount with the financial institution, based on ascertaining that theuser initiated the user activity of check deposit by swiping a debit orcredit card associated with the financial institution, receiving a tokenassociated with a financial account from the user mobile device, and thelike), the computer terminal may perform one or more of the followingactivities, for example based on receiving user feedback: (i) transfer$117.42 to the user financial account, (ii) dispense at least a portionof $117.42 as cash or physical items, (iii) initiate a real timeresource transfer of at least a portion of the $117.42 to an integratedresource transfer application of the user mobile device (described indetail in the subsequent section), (iv) covert at least a portion of the$117.42 into merchant points or credit and initiate a real time resourcetransfer of the portion to a merchant account of the user, and/or (v)initiate a real time resource transfer of at least a portion of the$117.42 to an account of a charity entity. In some embodiments, thecomputer terminal may provide the above activities options to the user,for example as a presentation of the display device, and receive userconfirmation before commencing the activity. In some instances, thecomputer terminal may have items of only a certain type or quantity.Continuing with the previous example, the terminal may only havecurrency in the form of $10 and $20 bills, and may only be able todispense a portion of the $117.42 with the available $10 and $20 bills.For example, the computer terminal may only be able to dispense anamount of $110 as bills. For the remainder of $7.42 of the amount, theterminal may perform one or more of the following based on the userfeedback: (i) transfer $7.42 to the user financial account, (ii)initiate a real time resource transfer of $7.42 to an integratedresource transfer application of the user mobile device, (iii) covert$7.42 into merchant points or credit and initiate a real time resourcetransfer of the amount to a merchant account of the user, and/or (iv)initiate a real time resource transfer of the $7.42 to an account of acharity entity.

In some embodiments, the computer terminal is configured to allow anon-customer user to deposit a check, even when the non-customer user isnot affiliated with the financial institution associated with thecomputer terminal. For example, the non-customer user may deposit acheck for an amount of $117.42 at the terminal, for example afterrequisite authentication. In a similar manner as described above, basedon determining that the user is not a customer of the financialinstitution, the terminal may dispense $110 (or another suitable amountthat is a multiple of $10 and/or $20) as cash bills and perform one ormore of the following actions for the remainder of the amount (i)initiate a real time resource transfer of $7.42 to an integratedresource transfer application of the user mobile device, (ii) covert$7.42 into merchant points or credit and initiate a real time resourcetransfer of the amount to a merchant account of the user (for example,based on receiving merchant information from the sure), and/or (iv)initiate a real time resource transfer of the $7.42 to an account of acharity entity of the user's choice. In this manner the system isconfigured to convert at least a portion of the value of a physicalfinancial instrument (e.g., a check) to a virtual form.

That said, in some embodiments, continuing with the previous example,the system may dispense $120 in bills or transmit $120 to the integratedresource transfer application, thereby providing the $2.58 as a rewardto the customer.

Furthermore, in some embodiments, the user may have one or morefinancial instruments such as credit, debit cards, gift cards, rewardpoint cards, and the like. For example, a user who is a customer of thefinancial institution of the computer terminal may have a credit cardassociated with the financial institution, a non-customer user may havea credit or debit card associated with another different financialinstitution, or another user may have a rewards point card associatedwith another merchant/entity. In response to the user depositing thecheck for the amount of $117.42, the computer terminal may request theuser to swipe/insert the financial instrument (e.g., the credit card)and based on/during the swiping/insertion, transfer either all of or aportion of the amount (e.g., $7.42) to the user financial instrument tocredit/augment the instrument with that amount. In the instances where arewards point card is used the terminal may convert the amount into theequivalent points and then credit the card. Also, in the instances wherethe financial instruments may be contained within digital wallet oranother application of the user device, the system may request the userto “tap” the user device at the terminal and subsequently based on orduring the “tapping”, transfer the amount to the requisite digitalwallet or card within the digital wallet. Thereby, even, non-customerusers may receive the check amount as deposits into their existingaccounts.

Moreover, by transforming change amount such as $7.42 that would requiredispensing a variety of coins into a virtual deposit, the presentinvention provides savings in the expenses for transportation andmanagement of coins.

Resource Transfers to an Integrated Resource Transfer Application Basedon Receiving Physical Items

As discussed previously, in some instances, the computer terminal mayinitiate a real time resource transfer of at least a portion of thecheck amount to an integrated resource transfer application of the usermobile device. Typically, the computer terminal is configured torecognize a user device and the user associated with the device (forexample, based on retrieving unique identifiers of the device) when theuser device is within a predetermined proximity/distance from theterminal, for example, when the user is waiting in a line of theterminal. The computer terminal may then establish an operativecommunication with the user device, for example, via a wirelesscommunication channel, Wi-Fi communication channel, NFC and the like.The computer terminal may then proceed to authenticate the user whilethe user is still waiting in the like, via the user device. For example,the computer terminal may receive, via the communication channel, abiometric credential such as a fingerprint scan performed by the user onthe user device, and pre-authenticate the user even before the userapproaches the terminal. The system may also pre-authenticate the userand continue to monitor the status of the authentication until the userinitiates a user activity by approaching the terminal, for example,using visual capture device and facial recognition of the user.

In some embodiments, the terminal may transmit a message to the user(for example, via the integrated resource transfer application or viathe Wi-Fi or telecommunication channel) mobile device requesting theuser to choose a user activity that the user wishes to perform at theterminal. The computer terminal may then customize the user interface orpre-stage the user interface when the user approaches the terminal tofacilitate easier and quicker user activity completion. Also, the systemmay recognize the user as a previous customer while the user is standingin a line, and then pre-stage the user interface for the user when theuser approaches the terminal.

In some embodiments, the terminal, via the established communicationchannel, may determine that the user device does not comprise theintegrated resource transfer application, for example based onascertaining that the user is required to provide authenticationcredentials/passcodes via the application, based on determining that theuser activity specified by the user requires the application (e.g., forwithdrawing a denomination of bills that are not entirely available atthe terminal). The system may then transmit the application and/or causethe user device to download and install the integrated resource transferapplication on the user device. In some embodiments, the integratedresource transfer application is an integrated person-to person or P2Ppayment application that typically also comprises social networkcapabilities and/or chat/communication capabilities (for example, “Zell”application). In some instances, the application typically operatesbased on non-financial user information such as user email, phonenumber, and the like. This integrated P2P application may be associatedwith a plurality of financial institutions and may utilize the financialchannels and security features of these financial institutions. In someembodiments, the integrated resource transfer application or the P2Papplication is a part of the activity application 425. In someembodiments, before causing download and/or installation of theapplication, the terminal may ascertain that the user device hassufficient connectivity, sufficient access to a network of at least apredetermined bandwidth or speed for the download.

When the user approaches the terminal and initiates the user activity ofthe check deposit. As described above, the terminal may transmit atleast a portion of the check amount to the integrated resource transferapplication. The terminal may then request the user to “tap” the userdevice at the terminal, and subsequently initiate the transfer.Therefore, even users without any financial instruments (such as credit,debit cards) with them or any financial institution accounts may alsodeposit checks and receive the check amount as deposits directly intothe integrated resource transfer application.

Proactive and User-Specific Interfaces and Information Interchange

As discussed earlier, the computer terminal is configured to providepre-staged, streamlined and customized user interfaces for performingthe user activity in a quick manner. Furthermore, the terminal isconfigured for machine learning and customizes the user interfaces andactivities based on analyzing past preferences/behaviors of the user.For example, the terminal may determine that the user chose to transfera change amount (i.e., amount whose denominations are not available atthe terminal or that require coins which are not available) to theintegrated resource transfer application in 3 instances and chose todonate the change amount to charity in 2 instances of 5 total previousinstances, in the user interface, the system may only provide theoptions for the transfers to the application and the charity, for easeand speed of the activity. Alternatively, the system may automaticallytransfer the amount to the integrated user application and optionallyprovide a choice or charity from within the integrated user application.

Performing User Activities Using a Variety of Communication Channels

As discussed previously, the computer terminal is equipped with anintelligent personal assistant or other forms of artificialintelligence. The intelligent personal assistant may facilitate one ormore of the user activities or steps described herein. Moreover, theterminal may be equipped with audio and video communication channels.The terminal may facilitate a “hands free” operation of the terminal orperformance of the user activity by the user at the terminal usingsolely audio commands, gestures, and/or operations in the user mobiledevice.

Authentication of Users and First-Time Users in Particular

As discussed previously, the terminal is configured to authenticate auser in a variety of ways. For example, the terminal may authenticate anon-customer user without a financial instrument based on facialrecognition or biometric authentication.

Customized Terminal

In some embodiments, the computer terminal is a cash recycler that isconfigured to provide customized services to an entity based on therequirements at that location.

Physical Item Management

In some embodiment, the computer terminal may analyze the depositedcheck and determine that the check issuer is a customer of the financialinstitution or that the check is a financial institution check. Inresponse, the system may incentivize the check issuer to providesubsequent transfers as deposits to accounts or the integratedapplication instead of checks. Based on determining that the checkissued periodically issues checks to the user, who may be anon-customer, the system may initiate automatic transfers to the user'sintegrated resource transfer application at requisite intervals.

In some embodiments, the computer terminal is configured to void a checkafter deposit and dispensing of cash/amount transfers. Here, thecomputer terminal may print one or more glyphs, void the micro-line, cutholes in the paper, and the like.

User Activities and Incentives

In some embodiments, the computer terminal provides product informationand offers and incentives to the user. Moreover, the terminalfacilitates online purchase of the products at the terminal.

As will be appreciated by one of ordinary skill in the art, the presentinvention may be embodied as an apparatus (including, for example, asystem, a machine, a device, a computer program product, and/or thelike), as a method (including, for example, a business process, acomputer-implemented process, and/or the like), or as any combination ofthe foregoing. Accordingly, embodiments of the present invention maytake the form of an entirely software embodiment (including firmware,resident software, micro-code, and the like), an entirely hardwareembodiment, or an embodiment combining software and hardware aspectsthat may generally be referred to herein as a “system.” Furthermore,embodiments of the present invention may take the form of a computerprogram product that includes a computer-readable storage medium havingcomputer-executable program code portions stored therein. As usedherein, a processor may be “configured to” perform a certain function ina variety of ways, including, for example, by having one or morespecial-purpose circuits perform the functions by executing one or morecomputer-executable program code portions embodied in acomputer-readable medium, and/or having one or more application-specificcircuits perform the function. As such, once the software and/orhardware of the claimed invention is implemented the computer device andapplication-specific circuits associated therewith are deemedspecialized computer devices capable of improving technology associatedwith the in authorization and instant integration of a new credit cardto digital wallets.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, infrared, electromagnetic, and/orsemiconductor system, apparatus, and/or device. For example, in someembodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as apropagation signal including computer-executable program code portionsembodied therein.

It will also be understood that one or more computer-executable programcode portions for carrying out the specialized operations of the presentinvention may be required on the specialized computer includeobject-oriented, scripted, and/or unscripted programming languages, suchas, for example, Java, Perl, Smalltalk, C++, SAS, SQL, Python, ObjectiveC, and/or the like. In some embodiments, the one or morecomputer-executable program code portions for carrying out operations ofembodiments of the present invention are written in conventionalprocedural programming languages, such as the “C” programming languagesand/or similar programming languages. The computer program code mayalternatively or additionally be written in one or more multi-paradigmprogramming languages, such as, for example, F#.

It will further be understood that some embodiments of the presentinvention are described herein with reference to flowchart illustrationsand/or block diagrams of systems, methods, and/or computer programproducts. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a special purpose computer for theauthorization and instant integration of credit cards to a digitalwallet, and/or some other programmable data processing apparatus inorder to produce a particular machine, such that the one or morecomputer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

It will also be understood that the one or more computer-executableprogram code portions may be stored in a transitory or non-transitorycomputer-readable medium (e.g., a memory, and the like) that can directa computer and/or other programmable data processing apparatus tofunction in a particular manner, such that the computer-executableprogram code portions stored in the computer-readable medium produce anarticle of manufacture, including instruction mechanisms which implementthe steps and/or functions specified in the flowchart(s) and/or blockdiagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with operator and/orhuman-implemented steps in order to carry out an embodiment of thepresent invention.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of, and not restrictive on, the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations and modifications ofthe just described embodiments can be configured without departing fromthe scope and spirit of the invention. Therefore, it is to be understoodthat, within the scope of the appended claims, the invention may bepracticed other than as specifically described herein.

INCORPORATION BY REFERENCE

To supplement the present disclosure, this application furtherincorporates entirely by reference the following commonly assignedpatent applications:

U.S. Patent Application Docket Number Ser. No. Title Filed On7850US1.014033.3029 To be assigned MOBILE CELLULAR Concurrently DEVICETRANSLATION herewith INTO A SECURE CHANNEL IDENTIFIER FOR RESOURCEMANAGEMENT 7851US1.014033.3027 To be assigned RESOURCE DISTRIBUTIONConcurrently CHANNEL herewith AUTHORIZATION THROUGH THIRD PARTY SYSTEMINTEGRATION 7852US1.014033.3030 To be assigned CASSETTE SYSTEM FORConcurrently SECURE RESOURCE herewith DISTRIBUTION

What is claimed is:
 1. A system for odd denominational resourcedistribution, the system comprising: a memory device withcomputer-readable program code stored thereon; a communication device; aprinting device for printing the resource distribution documents; aprocessing device operatively coupled to the memory device and thecommunication device, wherein the processing device is configured toexecute the computer-readable program code to: integrate within acomputer terminal, wherein the computer terminal is a public useractivity terminal for management and distribution of resource documentsby a user; authorize the user access to resource distribution managementapplications within the computer terminal based on authenticationrequirement satisfaction by the user; receive resource distributiondocument at the computer terminal for resource retrieval from thecomputer terminal; identify the resource distribution document as beingfor an odd denominational resource distribution, wherein the odddenominational resource distribution is a resource value or resourcevalue remainder that the computer terminal is unable to present to theuser for the resource retrieval; identify third party resourcedistribution applications associated with the user; triggerpresentation, via display on the computer terminal, of the third partyresource distribution applications associated with the user; and applythe odd denominational resource distribution to a selected third partyresource distribution application.
 2. The system of claim 1, wherein theodd denominational resource distribution applied to the selected thirdparty resource is only the resource value remainder that the computerterminal is unable to present to the user.
 3. The system of claim 1,wherein a standard user activity terminal is required to deny an odddenominational distribution request without integration with thecomputer terminal.
 4. The system of claim 1, wherein identifying theresource distribution document as being for an odd denominationalresource distribution further comprises identifying a check drafted tothe user with a distribution amount that is not a distribution amountdomination available from the computer terminal for presentation of thedistribution amount to the user.
 5. The system of claim 1, whereinidentifying third party resource distribution applications associatedwith the user further comprises receiving input from the user includingthird party resource distribution applications associated with the user,wherein the resource distribution applications associated with the usercomprise user accounts for third party vendors or user accounts atfinancial institutions.
 6. The system of claim 1, wherein third partyresource distribution applications further comprise person-to-personresource distribution.
 7. The system of claim 1, wherein authorizing theuser access to resource distribution management applications within thecomputer terminal based on authentication requirement satisfaction bythe user further comprises authorizing a user not affiliated with theresource distribution management applications for the computer terminalby allowing the user access to the presentation of the third partyresource distribution applications associated with the user based onuser input of the odd denominational resource distribution document. 8.The system of claim 1, wherein the computer terminal is an ATM.
 9. Acomputer program product for denominational resource distribution withat least one non-transitory computer-readable medium havingcomputer-readable program code portions embodied therein, thecomputer-readable program code portions comprising: an executableportion configured for integrating within a computer terminal, whereinthe computer terminal is a public user activity terminal for managementand distribution of resource documents by a user; an executable portionconfigured for authorizing the user access to resource distributionmanagement applications within the computer terminal based onauthentication requirement satisfaction by the user; an executableportion configured for receiving resource distribution document at thecomputer terminal for resource retrieval from the computer terminal; anexecutable portion configured for identifying the resource distributiondocument as being for an odd denominational resource distribution,wherein the odd denominational resource distribution is a resource valueor resource value remainder that the computer terminal is unable topresent to the user for the resource retrieval; an executable portionconfigured for identifying third party resource distributionapplications associated with the user; an executable portion configuredfor triggering presentation, via display on the computer terminal, ofthe third party resource distribution applications associated with theuser; and an executable portion configured for applying the odddenominational resource distribution to a selected third party resourcedistribution application.
 10. The computer program product of claim 9,wherein the odd denominational resource distribution applied to theselected third party resource is only the resource value remainder thatthe computer terminal is unable to present to the user.
 11. The computerprogram product of claim 9, wherein a standard user activity terminal isrequired to deny an odd denominational distribution request withoutintegration with the computer terminal.
 12. The computer program productof claim 9, wherein identifying the resource distribution document asbeing for an odd denominational resource distribution further comprisesidentifying a check drafted to the user with a distribution amount thatis not a distribution amount domination available from the computerterminal for presentation of the distribution amount to the user. 13.The computer program product of claim 9, wherein identifying third partyresource distribution applications associated with the user furthercomprises receiving input from the user including third party resourcedistribution applications associated with the user, wherein the resourcedistribution applications associated with the user comprise useraccounts for third party vendors or user accounts at financialinstitutions.
 14. The computer program product of claim 9, wherein thirdparty resource distribution applications further compriseperson-to-person resource distribution.
 15. The computer program productof claim 9, wherein authorizing the user access to resource distributionmanagement applications within the computer terminal based onauthentication requirement satisfaction by the user further comprisesauthorizing a user not affiliated with the resource distributionmanagement applications for the computer terminal by allowing the useraccess to the presentation of the third party resource distributionapplications associated with the user based on user input of the odddenominational resource distribution document.
 16. Acomputer-implemented method for odd denominational resourcedistribution, the method comprising: providing a computing systemcomprising a computer processing device and a non-transitory computerreadable medium, where the computer readable medium comprises configuredcomputer program instruction code, such that when said instruction codeis operated by said computer processing device, said computer processingdevice performs the following operations: integrating within a computerterminal, wherein the computer terminal is a public user activityterminal for management and distribution of resource documents by auser; authorizing the user access to resource distribution managementapplications within the computer terminal based on authenticationrequirement satisfaction by the user; receiving resource distributiondocument at the computer terminal for resource retrieval from thecomputer terminal; identifying the resource distribution document asbeing for an odd denominational resource distribution, wherein the odddenominational resource distribution is a resource value or resourcevalue remainder that the computer terminal is unable to present to theuser for the resource retrieval; identifying third party resourcedistribution applications associated with the user; triggeringpresentation, via display on the computer terminal, of the third partyresource distribution applications associated with the user; andapplying the odd denominational resource distribution to a selectedthird party resource distribution application.
 17. Thecomputer-implemented method of claim 16, wherein the odd denominationalresource distribution applied to the selected third party resource isonly the resource value remainder that the computer terminal is unableto present to the user.
 18. The computer-implemented method of claim 16,wherein a standard user activity terminal is required to deny an odddenominational distribution request without integration with thecomputer terminal.
 19. The computer-implemented method of claim 16,wherein identifying third party resource distribution applicationsassociated with the user further comprises receiving input from the userincluding third party resource distribution applications associated withthe user, wherein the resource distribution applications associated withthe user comprise user accounts for third party vendors, user accountsat financial institutions, or person-to-person resource distribution.20. The computer-implemented method of claim 16, wherein authorizing theuser access to resource distribution management applications within thecomputer terminal based on authentication requirement satisfaction bythe user further comprises authorizing a user not affiliated with theresource distribution management applications for the computer terminalby allowing the user access to the presentation of the third partyresource distribution applications associated with the user based onuser input of the odd denominational resource distribution document.